I started in this business at 38. I don't own a house as I can't get a morgage, which is odd as my rent is higher than what a morgage would be. I had a lot of debt when I started. The debt is going down, and I have managed to put a little away. I very much doubt I'll be able to afford to retire, so body and looks permitting, I'll probably be doing this until the day of my funeral, lol, as the money I've saved is definitely not enough to live on.